They seem do have some game going on. I've had overdraft charges even if I transfered money from one account to the other in the same day, I was too late according to them.
And they ALWAYS process the bigger payment first so that way when the 2nd one comes they process it too and get 2 overdraft charges
They are better than First Union though, that bank had some serious issues starting with customer support. They gave me checks I didnt order then billed me $20 and said sorry you gotta keep them, I just told them fuck off and closed my account